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3. Management ; Do they live in your community? What is their reputation and experience? Is turnover low? What is the spirit you feel when you walk into the bank? Are they professional and proud of the organization that they represent? Your intuition is an important guide. Talk to a loan officer or branch manager — Do they have freedom to make decisions and do their jobs or are they heavily bound to top/down procedures? See how they handle your request. Ask what the procedures are for a loan or opening an account. There is a often a direct correlation between better service and the less hoops that customers have to go through, less paperwork to fill out and less fees to pay. ; D. Profitability and Financial Safety and Soundness
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